Guides

Mortgage guides and how-to articles by Tyler Huntington, Loan Officer at West Capital Lending
28
Feb
Modern multi-unit apartment building — DSCR investment property loan calculation

How to Calculate DSCR: Step-by-Step Guide with Real Examples

DSCR is the single number that determines whether you qualify for an investment property loan without showing tax returns. Here&
4 min read
28
Feb
Mortgage professional holding house model with calculator — ARM adjustable rate reset

ARM Reset Survival Guide: What to Do When Your Adjustable Rate Mortgage Adjusts

If you took out a 5/1 or 7/1 ARM in 2019-2021, your fixed period is ending or has
4 min read
28
Feb
White suburban home exterior with green lawn — home equity HELOC vs cash-out refinance

HELOC vs. Cash-Out Refinance in 2026: Which Is Better for Accessing Your Equity?

You've built equity. Now you want to use it — for renovations, debt payoff, or investing. The two main
4 min read
28
Feb
Hand holding house keys with house-shaped keychain — FHA loan first-time homebuyer

FHA Loan Requirements in 2026: The No-BS First-Time Buyer Guide

Most FHA guides online are written by SEO teams who've never originated a loan. They'll tell
4 min read